Rates

Rates effective as of July 1, 2014

Rates may change after accounts are opened. Fees may reduce earnings.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Kasasa Cash*

CheckingDividend Rate APY
Balances up to $10,0001.99%2.01%
Balances over $10,0000.25%2.01% to 0.41%
All balances if qualifications are not met0.05%0.05%

To earn rewards, each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Kasasa Saver*

SavingsDividend RateAPY
Balances up to $10,0000.747%0.750%
Balances over $10,0000.255%0.750% to 0.300%
All balances if qualifications are not met0.0500.050%

To earn rewards, each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Savings Rates

Account TypeDividend Rate APY
Regular Shares
($5 minimum to open)
($50 and over)
0.10%0.100%
Christmas & Vacation Club/Auxilliary Accounts0.10%0.100%
Share Draft/Checking0.00%0.000%
Individual Retirement Accounts0.25%0.250%
Money Market Accounts
$2,500 – $9,999.990.100%0.100%
$10,000 – $24,999.990110%0.110%
$25,000 and over0.130%0.130%

Money Market dividend rates change monthly based on market conditions. For full details, see the Money Market Disclosure.

Certificate Rates

TermDividend RateAPY†
6 months0.230%0.230%
1 year0.379%0.380%
2 years0.578%0.580%
3 years0.757%0.760%
5 years1.253%1.260%

†NOTE–Members have the opportunity to "Step Up" to a higher rate (should rates increase) one time during the certificate term.


Fee Schedule (Note: Fees may reduce the overall earnings on the account)

Truth In Savings Disclosure

Funds Availability Policy

Loan Rates

Type of LoanTerm/RequirementsAPR As Low As:†
New or Used Auto/TruckUp to 72 months1.74%‡
Up to 84 months2.74%‡
Other Secured (Motorcycle, Boat, RVs, etc.)Up to 60 months5.75%‡
Up to 120 months6.75%‡
Home Equity Line of Credit80% Loan to ValuePrime minus 1%
(4% APR Floor)
Home Equity Fixed Loan80% Loan to Value up to 7 yrs4.99%
80% Loan to Value up to 15 yrs5.49%
SignatureUp to 60 months10.50%‡
Up to 120 months11.50%‡
Overdraft Protection10.50%‡
MasterCardRevolving9.50%
MasterCard Credit BuilderRevolving9.50%
Share SecuredRegular IRA Dividend Rate +3%
Mortgage30 and 15 year fixed and ARMsFor rates call Financial Security Consultants at 410-823-3300.

†Rates based on credit history and may be higher.

‡APR reflects 1/4% discount for Automatic Payment Transfer or Payroll Deduction. Add 1/4% back if repaid otherwise.


Interest rates are subject to change without notice.